Try 2nd hand stores. I would wait another few weeks, most winter coats will be on sale.

Also, I don't know where in the US you live. I am in Ohio, and it does get cold- most of Jan and Feb are below 40. BUT, I almost never wear a coat. I am just not in the outside for long periods of time to justify that kind of money for a coat..just something to think about. When I do go out, I layer up as I am walking or something.

I will never forget buying this huge red puffy down coat. I couldn't wear it anywhere...it was much too warm. LOL.